Well, I guess if we had a solution for helping people who were poor, we would come forward with it. The reality is that when you're trying to make ends meet and you're on a very tight budget, oftentimes certain things get left out, and we find that it's physical activity. They're just trying to do everything they can to make ends meet and may not have the resources to do it. It may not always be a financial issue as well.
With respect to whether people are using the gyms on a go-forward basis, we believe that by allowing consumers, or empowering consumers, with fast credit, they may buy a membership one year and not use it, but they're not likely to do that twice. And we certainly see that, even with the $100 parliamentary membership. If you're not using it, you probably won't pay for it again.